Call reports 2016
UNION FEDERAL SAVINGS AND LOAN ASSOCIATION — 2016
What UNION FEDERAL SAVINGS AND LOAN ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 159,382,000 | 158,437,000 | 154,502,000 | 152,034,000 |
| Total loans | 98,336,000 | 99,144,000 | 100,086,000 | 100,850,000 |
| Allowance for loan losses | 737,000 | 743,000 | 807,000 | 818,000 |
| Securities available for sale | 18,520,000 | 12,419,000 | 13,262,000 | 10,197,000 |
| Securities held to maturity | 10,236,000 | 10,182,000 | 10,145,000 | 10,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,059,000 | 138,472,000 | 134,179,000 | 131,707,000 |
| Interest-bearing deposits | 137,357,000 | 135,160,000 | 130,789,000 | 128,808,000 |
| Noninterest-bearing deposits | 2,702,000 | 3,312,000 | 3,390,000 | 2,899,000 |
| Equity capital | 17,813,000 | 19,418,000 | 19,797,000 | 19,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,958,000 | 4,536,000 | 5,897,000 |
| Interest expense | 136,000 | 273,000 | 412,000 | 552,000 |
| Net interest income | 1,290,000 | 2,685,000 | 4,124,000 | 5,345,000 |
| Noninterest income | 39,000 | 616,000 | 683,000 | 738,000 |
| Noninterest expense | 1,717,000 | 2,677,000 | 3,611,000 | 4,536,000 |
| Provision for loan losses | 8,000 | 116,000 | 178,000 | 193,000 |
| Pretax income | -396,000 | 508,000 | 1,018,000 | 1,354,000 |
| Income tax | -152,000 | 182,000 | 208,000 | 332,000 |
| Net income | -244,000 | 326,000 | 810,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,252,000 | 18,881,000 | 19,371,000 | 19,588,000 |
| Total capital | 18,989,000 | 19,624,000 | 20,178,000 | 20,406,000 |
| Risk-weighted assets | 79,274,000 | 79,543,000 | 80,137,000 | 78,658,000 |